1. How much are my closing costs and will you provide me, in writing, a Good Faith Estimate and Truth in Lending before I apply for a loan?

2. Will the Good Faith Estimate include all of the expenses I will be charged at closing?

3. Will you lock in my rate?

4. When will you lock in my rate-at application, approval or closing?

5. For how long of a period will you lock my rate?

6. Does it cost anything to lock my rate?

7. How long does it take to process my loan?

8. Why should I use a mortgage broker?

9. Will you provide me with a written Pre-Approval document that guarantees that I am credit approved?

10. Will my loan be serviced locally or will it be transferred to another lender?